Baggage Insurance

Baggage Insurance


We all like to bring back fond memories from our journeys. However, unforeseen circumstances can leave you with damaged, stolen or destroyed personal baggage. This can ruin your trip and cause significant losses. Thus, Bajaj Finserv brings you Baggage Insurance to make your travel easy and hassle-free.

  • High Coverage Limit

    Get coverage up to Rs. 50,000 for just Rs. 599 per annum.

  • Multiple Payment Options

    Paying your premium is easy and hassle-free as multiple payment options are available. You can choose to pay via online bank account transfer, UPI, Mobile Wallets, Credit Cards or Debit Cards.

  • What Is Covered?

  • Comprehensive Coverage

    Get coverage in case of loss or damage to your personal baggage due to fire, riots, theft, strikes, terrorist activity, or any other accident occurring during your journey. The claim is payable in Indian Rupees (INR) only.

  • Umbrella For Claim

    Insured and insured’s family members can claim coverage for accidental loss or destruction or damage to their personal baggage in the event of any accident or mishap during the course of their travel.

  • Scope Of Coverage

    You can avail lost luggage reimbursement within the geographical scope of India and its jurisdiction.

  • Extent Of Coverage

    Baggage Insurance plan extends to the contents of the baggage that are lost or severely damaged due to any serious or dangerous situation.

  • What Is Not Covered?

  • Policy Excess

    Except in case of any personal accident, you have to pay 5% of the claim amount (subject to a minimum of Rs 25,000 for each claim) as Policy Excess.

  • Fragile Materials

    Any loss or damage caused due to cracking, scratching or breakage of lens or glass, whether these are parts of China, marble, gramophone records or otherwise and other articles of a brittle or fragile nature are not covered. This is unless such loss or damage arises from an accident to a vessel, train, or other mechanised vehicle or aircraft by which such baggage is conveyed by the insured and/or the insured’s family.

  • Jewellery And Other Valuables

    Loss of or damage to jewellery or valuables is not covered.

  • Damage During Repair

    Loss or damage caused by or any process of cleaning, dyeing, repairing or restoring to which the baggage is subjected to, is not covered.

  • Wrong Usage Of Electrical Machines

    Loss or damage caused to any electrical machines, apparatus, fixtures or fittings (including wireless sets, radio, television sets, and tape recorders) arising from overrunning, excessive pressure, short-circuiting arcing self-heating, leakage or electricity from any cause (lightning included) is not covered.

  • Wrong Usage Of Watches

    Loss or damage caused by mechanical derangement or over-winding of watches and clocks is not covered.

  • Inadequate Security

    Theft of baggage from cars, except from fully enclosed saloon cars having all the doors, windows and other openings securely locked and properly fastened, and any other security aid properly applied, is not covered.

  • Contract Of Affreightment

    Loss or damage while being conveyed by any carrier under a contract of affreightment is not covered.

How To Apply?

You can apply for the Baggage Insurance cover online in 3 easy steps by logging on to our website, completing the online application form and making an online payment for the premium amount.

How To Claim?

If your personal baggage is stolen, damaged or lost, you can lodge a claim by contacting us in any the following ways:

• Website: Bajaj Allianz General Insurance
• E-mail –
• Toll free number - 1800-209-5858
• Mailing Address: Bajaj Allianz General Insurance Co. Ltd., Bajaj Allianz House, Airport Road, Yerwada, Pune – 411 006.